Buying a home is one of the most significant investments that you will ever make. Like most good things, finding the perfect home comes with a lot of work. From your initial search online to your home tour and finally closing, there are many difficult decisions to make along the way. The bottom line is that the entire home buying process can be very stressful, especially when it comes to finding the right mortgage broker and loan for your new home. Since market conditions and mortgage programs change frequently, you have a lot riding on your broker's ability to provide quick and accurate financial advice. Whether you're a first-time homebuyer or own several residential properties, you need a mortgage broker in Ladson, SC, who can educate you on mortgage rates and provide trustworthy guidance to help you make an informed decision.
My name is Dan Crance - Ladson's most trusted mortgage loan officer with more than 30 years in the mortgage industry. I bring unparalleled insight and decades of experience into your home loan process. If you're looking for a new home loan, are interested in refinancing your current mortgage, or need information regarding FHA, VA, or other types of loans, Dan Crance is Your Mortgage Man.
Unlike some mortgage loan officers in Ladson, my primary goal is to help you make the right mortgage choice for you and your family. Mortgage lenders have a horrible reputation for turning over clients quickly to expedite cash flow and make the most money possible. While some mortgage brokers come off as pushy and impatient, I encourage my clients to take as much time as they need to ask questions and review their mortgage agreements. I'm here to help answer those questions and provide you with easy-to-understand advice so that you can rest easy knowing you made the right choice. I could say that I strive to provide service that exceeds your expectations, but I'd rather show you. In the end, I want you to leave feeling confident in the loan you've selected, as well as in your choice of broker.
Clients choose my mortgage company because I truly care about helping them navigate the often-confusing landscape of the mortgage process. I am fiercely dedicated to my clients and make every effort to provide them with trustworthy advice and an open line of communication.
In my business, I work for two different customers. On one hand, I have the buyer: the person entrusting me with the responsibility of guiding them through one of the most important decisions ever. Serving homebuyers is not a task that I take lightly. I work with them daily to help them through the process and provide timely updates and news on their mortgage status. On the other hand, I have the realtor: the person who works with my client to find their dream home. Since their commission is in my hands, working with realtors is also a very important task. I update these agents on the status of their customers weekly. Only when I take care of both parties can I say my job as a mortgage loan officer is complete.
As a mortgage broker with more than 30 years of experience, I pledge to give you the highest level of customer service while providing you with the most competitive loan products available. That way, you can buy the home of your dreams without second-guessing your decision.
At Classic Home Mortgage, our team works diligently to close on time without stress or hassle. Whether you're a seasoned homeowner or are buying your new home in Ladson, we understand how much stress is involved. Our goal is to help take that stress off of your plate by walking you through every step of the home loan process. Because every one of our clients is different, we examine each loan with fresh eyes and a personalized approach, to find you the options and programs you need.
With over 30 years as a mortgage professional in Ladson, Dan Crance will help you choose the home loan, interest rate, term options, and payment plans that fit your unique situation.
30-Year Loan - This loan is often considered the most secure option to choose. With a 30-year loan, you can lock in a low payment amount and rest easy knowing your rate won't change.
FHA Loan - If you're not able to make a large down payment, an FHA loan could be the right choice for you. With an FHA loan, many of our clients have successfully purchased a home with less than 4% down.
VA Loan - This loan is reserved for military veterans and active-duty men and women. Those who qualify may be able to purchase a home with no down payment and no Private Mortgage Insurance (PMI).
Because home mortgage rates in the U.S. have been so low over the last year, many current homeowners are opting to refinance their home loans. Simply put, refinancing is replacing your existing mortgage with a different mortgage under new terms. Homeowners who refinance their homes enjoy lower interest rates, lower monthly payments, and even turn their home's equity into cash. If you're interested in refinancing your home, it all begins with a call to your mortgage broker in Ladson, SC - Dan Crance.
Refinancing from a 30-year to a 15-year mortgage might seem counterproductive on the surface because your monthly payment usually goes up. However, interest rates on 15-year mortgages are lower. And when you shave off years of your previous mortgage, you will pay less interest over time. These savings can be very beneficial if you are not taking the mortgage interest deduction on your tax returns.
FHA loans are notorious for paying premiums for the life of the loan. Mortgage insurance premiums for FHA loans can cost borrowers as much as $1,050 a year for every $100k borrowed. The only way to get rid of mortgage insurance premiums is to refinance to a new loan that the Federal Housing Authority does not back.
Sometimes, borrowers with adjustable-rate mortgages refinance so they can switch to a fixed rate, which lets them lock in an interest rate. Doing so is beneficial for some homeowners who like to know exactly how much their monthly payment is each month. Conversely, some homeowners with fixed rates prefer to refinance to an adjustable-rate mortgage. Homeowners often go this route if they plan on selling in a few years and don't mind risking a higher rate if their plans fall through.
Finding the right loan can be a difficult proposition, even if you have been through the process before. This is especially true since mortgage rates and market conditions change frequently. If you're like most of my clients, you probably have questions about interest rates, refinancing options, and a litany of other topics. To help alleviate some of your stress, here are just a few common questions with answers so that you can better educate yourself as we work our way to securing your loan.
LADSON, S.C. (WCBD)- The annual Coastal Carolina Fair is underway at Exchange Park in Ladson.Most fairgoers have their eyes and stomachs on fair food for the first day.“They always have good food and it’s just a good time to spend with family. They have a little arts and crafts center where you can see the students’ local talents,” said Jasmine Kelly.“Sausage dogs and French fries. Walk around and look and see what’s going on,” said Woody Barsha.One of the new food items o...
LADSON, S.C. (WCBD)- The annual Coastal Carolina Fair is underway at Exchange Park in Ladson.
Most fairgoers have their eyes and stomachs on fair food for the first day.
“They always have good food and it’s just a good time to spend with family. They have a little arts and crafts center where you can see the students’ local talents,” said Jasmine Kelly.
“Sausage dogs and French fries. Walk around and look and see what’s going on,” said Woody Barsha.
One of the new food items on the menu is an Oreo cookie crusted turkey leg.
“No I don’t think so I’ll stick to French fries,” said Barsha.
“I can’t eat that much, but I will have an elephant ear,” said Kelly.
There are 10 new rides this year as well. One of them is a Ferris Wheel that’s 12 stories tall and comes from The Netherlands.
Fair organizers say that those new attraction and food items are great additions, but having a full-scale fair is also something to celebrate.
“We’re really excited about opening up because this is the first really big open fair we’ve had since COVID-19 has happened. We say ‘New in 22,’ and that’s what we’re doing because we have brand new rides, we have many new food vendors so we’re really excited about starting the year off right,” said Gary Leonard from the office of Media and Publicity Relations at the Coastal Carolina Fair.
Most families make the fair a tradition, but it’s even more special for Dan Caskey.
“Today’s my birthday. Every year I have a party and bring this to town to share with everybody else. It’s a great tradition. We love coming out here and having a fun time with the family,” said Caskey.
LADSON, S.C. (WCSC) - With over 30 rides, 60 food vendors, special events and concerts, Coastal Carolina Fair officials are expecting a large group of visitors from across the Lowcountry.Fair representatives say they have rules in place to help ensure a fun and safe experience for visitors.Those attending the fair are asked not to bring weapons, alcohol, drugs, glass containers or coolers to the event.In addition, people will pass through metal detectors as they enter the fairgrounds.Officials say officers from th...
LADSON, S.C. (WCSC) - With over 30 rides, 60 food vendors, special events and concerts, Coastal Carolina Fair officials are expecting a large group of visitors from across the Lowcountry.
Fair representatives say they have rules in place to help ensure a fun and safe experience for visitors.
Those attending the fair are asked not to bring weapons, alcohol, drugs, glass containers or coolers to the event.
In addition, people will pass through metal detectors as they enter the fairgrounds.
Officials say officers from the Aviation Authority and Charleston and Berkeley County Sheriff’s Offices will be on hand along with a private security firm to assist at the gates.
The fair is also enforcing a clear bag policy for a second year.
Allowed bags include clear plastic, vinyl or PVC bags that do not exceed 12 inches by 6 inches by 12 inches, one-gallon freezer bags and small clutch bags without a handle or strap that does not exceed 4.5 inches by 6.5 inches.
The fair has added new food and ride options this year as well.
Officials say visitors will be able to find Brazilian foods at the fair for the first time. Visitors will also still be able to find the high-demand turkey legs, candy apples, elephant ears and funnel cakes.
This year’s fair also features three new rides, the Dutch Wheel, the Banshee and the Beast. The rides add to the traditionally popular Ferris wheel, roller coasters, swings and tilt-a-whirls
The Coastal Carolina Fair features a full slate of live entertainment opening up with Neal McCoy at 7:30 p.m. Thursday.
A full list of live music can be found here.
In addition to all the food, fun and music, the fair includes longtime staples like the fine art show, youth art show and chili cook-off.
Tickets for the fair can be purchased at the gate or from participating Circle K stores.
Online sales through the Coastal Carolina Fair website have been temporarily halted as of Thursday morning. Fair officials say they are waiting to find out if the service will return this year. Anyone who purchased tickets online will still be able to use those tickets.
Gates open at 3 p.m. Thursday and runs through Nov. 6. Click here for a full list of operating hours.
Copyright 2022 WCSC. All rights reserved.
LADSON, S.C. (WCIV) — Officials with Trident Medical Center are officially breaking ground on a new, standalone behavioral hospital!It will be the first the first freestanding ...
LADSON, S.C. (WCIV) — Officials with Trident Medical Center are officially breaking ground on a new, standalone behavioral hospital!
It will be the first the first freestanding behavioral hospital to open in the Lowcountry in over 30 years.
The nearly 58,790-square-foot facility in Ladson will include a single-story hospital and interior courtyard with space for recreation and therapy. The facility will have “state of the art” inpatient and outpatient services for Lowcountry residents.
The main difference this building will provide in comparison to general hospital care is more of a focus and extended resources for geriatric and adolescent care. The behavioral hospital will continue adult care as well.
The medical director for behavioral health at Trident, Jeffrey Culver, says he starts every day in the emergency room.
Currently, there are only 250 beds for mental health patients in the Lowcountry, and without a dedicated space for them — in most cases — a lot of them must go to the emergency room.
But with the construction of this new facility, Culver hopes it will help provide a safe space for real change and will get more people the help they need.
“I fully expect when this facility opens, that the dialogue both locally and nationally will continue to help chip away at that stigma. I think we're still a long way from where we need to be, where we can talk about mental health and mental illness the same way we talk about things like heart disease and cancer, but we're getting there. And I think being able to open up a brand-new facility and have people see that what we're doing is part of medicine,” Culver said.
ABC News 4's Sean Mahoney spoke with longtime mental health advocate Kelly Troyer, who works with the National Alliance of Mental Illness - Greater Charleston area.
She says the Lowcountry has come a long way in providing mental health services, but that there is still more work to be done and she hopes this will help kickstart that change.
Troyer also says the need for mental health services has drastically increased over the course of the pandemic.
The City of Charleston reported a 78.1 percent increase in the number of suicides from 2020 to 2021.
Troyer also has a personal connection to mental illness, as her son, Alex, was diagnosed with schizophrenia at a young age. She says finding resources in the Lowcountry was nearly impossible in the beginning, as she had to go out of state for care.
However, she says the construction of this new facility is a step in the right direction.
“As far as access to service, no, there's not enough in our state, especially in the rural areas. Then also, even here in the Lowcountry, we have great resources and we have people. But look at the Latino community and the African-American community, there's more [of a ] stigma around mental health conditions, so they don't reach out as much to the access that's here,” Troyer said. “So this groundbreaking of this hospital is very good news for us in our community. And we want to celebrate that.”
The hospital is expected to start out with 60 inpatient beds with the ability to expand and also will provide outpatient resources.
Construction started on the $30.4 million facility started in December, but officials with Trident waited until Thursday to hold the ceremony because of the weather.
Work is expected to wrap up in spring of 2023.
The groundbreaking ceremony and celebration is taking place at 11 a.m., at the construction site, which is about two miles from Trident Medical Center and right off highway 17 in Ladson, at 3445 Ingleside Boulevard.
Dorchester County citizens had an opportunity to offer feedback and voice concerns about streetscape improvements planned for Ladson Road at the Aug. 22 public meeting held at the Dorchester County Council Chambers.Dorchester County personnel and consultant representatives from SeamonWhiteside, a local engineering and design firm, were on hand to discuss the project with citizens as a group and individually, as requested.The well-attended meeting showcased a lively discussion during which citizens expressed their concerns, fear...
Dorchester County citizens had an opportunity to offer feedback and voice concerns about streetscape improvements planned for Ladson Road at the Aug. 22 public meeting held at the Dorchester County Council Chambers.
Dorchester County personnel and consultant representatives from SeamonWhiteside, a local engineering and design firm, were on hand to discuss the project with citizens as a group and individually, as requested.
The well-attended meeting showcased a lively discussion during which citizens expressed their concerns, fears and frustrations over the project plans to date, as well as what is seen by many present as current problems that could be made worse going forward.
Construction of dedicated turn lanes at key intersections and installation of raised, landscaped medians with plantings and street lights are the key elements of the project. Video displays and print handouts were provided at the meeting to illustrate the plans under consideration. The project will impact the section of Ladson Road from the termination of the South Carolina Department of Transportation (SCDOT) Dorchester Road Safety Improvement project to Coopers Ridge Boulevard.
“Last night’s meeting was the first step in soliciting public input, and we received many good comments that will be considered as we continue to move the design forward,” said Daniel Prentice, Deputy County Administrator. The meeting followed the DOT public comment requirements, according to Prentice.
The Ladson Road Streetscape Project is part of the Oakbrook Redevelopment Plan which was established in 2019. The plan outlines a comprehensive, multi-agency plan to revitalize the Oakbrook area. Funding comes from Tax Increment Financing (TIF), a method for financing redevelopment in blighted, conservation and sprawl areas of counties. TIF utilizes incremental increases in assessed value and property taxes to fund projects.
The price tag for the overall Oakbrook Redevelopment Plan now stands at $5 million, but county officials insist that it is not represented by a tax increase or impact fee.
“A TIF district is not a tax increase,” said Prentice. “The entities that levy millage (the rate at which property taxes are levied) partner to send tax dollars resulting from growth in assessments of new or improved buildings to the TIF fund which funds the public improvements. The public improvements, in turn, are used to continue to spur new private growth, increasing the overall vitality of the area.”
County personnel and officials projected their belief that by making the area more attractive for retail and restaurant activities, improving pedestrian and bike safety, improving infrastructure, reducing traffic and increasing safety and other upgrades, investment dollars will increase; new business and development will be established.
Presentation of the project leaned heavily on the aesthetic and beautification benefits to be realized, but county officials and staff also stressed improvement in safety as a major goal. “Data shows that safety will be improved by closing off the current open medians and guiding traffic through the use of dedicated turn lanes and restricting other turning movements due to the proposed medians,” said Prentice. “While one of the goals of the TIF district is beautification, the County believes that an additional positive outcome will be the function and safety of the corridor.”
Not everyone in attendance was convinced. Several citizens expressed frustration in their view that the county is giving priority to aesthetics over safety and functionality. Concerns voiced included existing poor access to certain businesses, which could increase under the plan; traffic load; difficulty of large and service vehicles to navigate turns; challenges of cyclists; maintenance costs associated with the use of plants versus other materials for division; and problems arising out of the overlap of traffic routes between counties.
One business owner, whose business requires drop-off traffic, complained that attracting new business and traffic, when existing businesses are negatively impacted by current road and traffic design, is not in the best interest of businesses along Ladson Road.
Proponents of the plan defended medians as a more modern design consideration for roadway construction and advocated for guiding traffic to dedicated turn lanes.
“Access management studies show that the true overall impact is not negative, although acclimation to the changes is required due to new traffic patterns,” said Prentice.
Construction on the Ladson Road Streetscape Project is slated to begin mid-2023, according to county personnel. Additional information on the Ladson Road project, Oakbrook Redevelopment Plan and TIF can be found on the Dorchester County website at https://www.dorchestercountysc.gov.
Public comments, written or oral, are invited.
LADSON, S.C. (WCIV) — A little over a week ago, ABC News 4 brought you the story of one Mount Pleasant mother fighting the Charleston County School District in what she says was a forced school placement change.Since then, ABC News 4 has received dozens of reports of families going through si...
LADSON, S.C. (WCIV) — A little over a week ago, ABC News 4 brought you the story of one Mount Pleasant mother fighting the Charleston County School District in what she says was a forced school placement change.
Since then, ABC News 4 has received dozens of reports of families going through similar situations.
One involves a Summerville mom stuck with a school district's choice looking to move her two sons to different schools.
The mother, Leslie Jackson, is described as a mom’s mom.
“I'm on top of my kids, you know, with their schooling a lot. A lot of people tell me that I’m probably the most involved parent when it comes to the kids,” she explained.
Jackson said that her love for her children resonated when she watched Olivia Rose-Walker’s story.
“When I did see [the] story about Olivia, I mean, I cried my eyes out. I felt for a mom, I felt for Olivia,” she said.
Jackson’s sons, Elijah and Xavier, also have learning disabilities. Both twins were born at 24 weeks old, with each spending numerous months in the hospital after birth. Both were diagnosed with autism with Elijah also having expressive language disorder.
While the two twins have a different disability than Olivia does, they do face a similar battle ahead.
“We had Eli’s IEP in May,” Jackson said. “They decided to place him at Malcom C. Hursey Montessori school. When we did Xavier’s IEP that next week, [it was decided] he is to go to Ladson. And I was like, well, why are they being separated from schools?”
While Olivia’s battle dealt more with the disability placement change, this challenge focuses more on the process of school placement. By the time Jackson found out about Xavier’s placement, the deadline for school choice in CCSD had already passed, leaving her with many questions.
“It kind of threw me for a loop that, they're brothers, you know, they're twins, you know? How did one get placed somewhere and one get placed somewhere else? And no one can really give me an answer for that,” she stated.
She's another mother feeling the same pain that Olivia’s mom did, while going through a school change they don’t want to do.
“This whole thing, honestly, it's made me feel emotional about it. You know, during the meeting, I almost felt like a failed parent. I was like, how did this happen?
But just like Olivia’s mom did, Jackson searched for help.
“Charleston Autism Parents [Facebook group], I put out a post on there and let them know the situation was like, [has] this happened to anybody else?” Jackson explained.
After her message was posted, she received dozens of comments in response, informing her that she was not alone. Up to 20 families reached out claiming they are in a similar situations.
“There are a lot of people that responded that [I was like] wow, I guess this happens a lot,” she said.
After seeing the responses to Jackson’s post and the messages we have received at ABC News 4, we tried to find out how often situations like these happen.
The answer is that they happen more than you might think.
“This is something that we see often.” Director of Youth Transition Program at Able SC Paige Winget said. “We have the seasons of calls from parents.”
Representatives with Family Connection South Carolina say referrals for a program which helps families navigate the IEP process have skyrocketed in the past year, with over 5,000 referrals overall to all of their programs.
“Our referrals for this program have gone up by 65% since last year,” CEO of Family Connection SC Amy Holbert said.
So the question that remains is why is this so common?
These experts say it may be the stress the pandemic has put on these families or the lack of all-around resources at every school, which forces these placement changes to specific programs.
“Ideally, you know, inclusion we know is best practice,” Winget said. “But sometimes, there's a lot of lack of training for our general education teachers, and for just our school administration, and those that are in the school that aren't necessarily always working with students with disabilities.”
These experts say it could also be the system of IEP placements, which sometimes may not meet the needs of a specific student.
“The I in an IEP is individualized, and it needs to be for that student, and not because of a specific diagnosis or something else that's determining that factor,” Director of Education and Family Support for Family Connection SC Sally Baker said.
While these experts say a lot of the times the schools or IEP administrators do have good advice for these students, in situations where they may be disagreements like in Jackson’s case, they are here to help.
We are working in school districts. We might know someone and might be able to say, let me, you know, chat with this person. Or let's get the full picture,” Winget explained.
“We've talked to all the different people that can potentially help you answer the questions along the way,” Baker said. “[We] talk about what's kind of next, what's coming. Who are you going to meet? Are you going to see how to use your voice and how to use the things that you see at home that you know your child can do? Find their strengths and how to communicate that over to their educational team?”
Able South Carolina is a disability-led organization that helps push for change in systems and communities surrounding people with disabilities.
Family Connection SC has many programs that do the same thing, including its Education Partner program, which helps families communicate with schools and gather more information on their specific IEPs to help parents make informed decisions.
It's something Jackson said is important to continuing the fight.
“If you're not okay with this, you don't have to accept that you can’t fight this. You have options,” she said.
We reached out to CCSD for a statement on Jackson’s situation. In response, the district said:
“While we can't comment on a specific student matter related to this topic, we want to emphasize we are committed to providing the best possible resources available for all of our students, and we work collaboratively with all parents and guardians. IEP teams make determinations regarding services and placement for students with disabilities based on the individual needs of each child.”